JustAdvice

30/08/2026

Did you know your super could own your business premises?

If you're a business owner leasing the space you operate from, there's another option worth knowing about: your superannuation can purchase that commercial property.

Instead of paying rent to an external landlord, you pay market-rate rent to your own super fund - money that stays in your retirement savings rather than someone else's pocket. You also get more certainty over your premises, without the risk of a lease not being renewed or a landlord deciding to sell out from under you. And commercial property held inside super can come with more favourable tax treatment on both rental income and any future capital gain.

It's not the right fit for every business. The rules around structure, contributions and lending inside super are genuinely technical. This is exactly the kind of decision where getting it wrong can be costly, but getting it right can set your business up for the long term.

If it's something you've been curious about, we're always happy to have a no-pressure conversation about whether it makes sense for your situation.

Click the link below to book in an appointment today.

https://justadvicefp.com.au/

23/08/2026

Superannuation has seen more change in the past year than most people realise. The Superannuation Guarantee rate reached 12% from July 2025 - the final step in a decade-long increase - meaning more of every pay cheque is now going into super. From 1 July 2026, "Payday Super" also came into effect, requiring employers to pay super alongside wages each pay cycle, rather than quarterly. On top of this, recent legislation has reshaped how self-managed super funds can be used for property investment.

These changes are a timely reminder that a "set and forget" approach to super can leave a strategy quietly out of step with the rules, or with your own goals. If it's been a while since you've taken stock, this is a fair moment to do so.

To discuss how your super matches your needs, click the link below to book an appointment.

https://justadvicefp.com.au/

15/06/2025

Long-term investing is a lot like long-term exercise 💪

✅ Both require consistency.
✅ Both test your patience.
✅ Both rarely show results overnight.
✅ But both can change your life if you stick with them.

💡 Invest $100/month and let time and compound interest work their magic — just like how 30 minutes of daily movement might not look like much at first, but over time builds strength, endurance, and confidence.

The best part?
📆 Ten years from now, you won’t wish you started sooner — you’ll be grateful you stayed the course.

So whether it’s your money or your health — remember, it’s not about being perfect, it’s about staying in the game. 👊

08/06/2025

💑 Boost Your Partner’s Super — and Get a Tax Offset! 💸

Did you know you can contribute to your spouse’s super and potentially score a tax offset of up to $540?

If your spouse earns $37,000 or less, and you contribute $3,000 to their super, you may be eligible for a tax offset of up to 18% on that amount.

👉 It’s a win-win:
• You help grow your partner’s retirement savings
• You reduce your own tax bill
• It’s a smart move for couples with uneven incomes

Even if they earn up to $40,000, you may still be eligible for a partial offset.

💡 Must-do before June 30 to claim it this financial year!

If one of you is working part-time, caring for kids, or earning less right now — this is a simple strategy to keep both your super balances growing.

Want help figuring out if you’re eligible or how to do it? I’m here to help! 💬

01/06/2025

💰 Free Money from the Government? Yes, Really! 💰

If you’re a low or middle-income earner and make personal (after-tax) contributions to your super, you could be eligible for a government co-contribution of up to $500! 🙌

That’s right — the government will top up your super just for helping yourself save for the future. Here’s how it works:

✅ Earn less than $58,445 (2024–25 financial year)
✅ Make an after-tax contribution of up to $1,000 to your super
✅ The government will add up to $500 — automatically!

It’s a smart way to boost your retirement savings with minimal effort. But you have to make the contribution before June 30 to qualify for this financial year.

If you’re eligible, don’t miss out — it’s like turning $1 into $1.50 overnight! 💡

Got questions about how to do it? Drop them below or send me a message. Let’s make your money work harder for you! 💬👇

30/05/2025

💰 Make the Most of Your Super in 2025! 💰

As we approach the end of the financial year, it’s the perfect time to take advantage of deductible super contributions for the 2025 financial year.

✅ If you’re eligible, you can top up your super with personal contributions and claim a tax deduction—potentially reducing your taxable income and boosting your retirement savings at the same time.

🗓️ The cap for concessional (deductible) contributions for 2025 is $30,000, including employer contributions like Super Guarantee and salary sacrifice.

📌 Pro tip: If you haven’t used your full cap in previous years, you might be able to carry forward unused amounts (if your super balance is under $500,000).

🚨 Be sure to:
• Make your contribution before 30 June 2025
• Submit a Notice of Intent to Claim form to your fund
• Wait for confirmation before lodging your tax return

Need help making the most of your super strategy? Send me a message—I’d be happy to chat!

20/09/2024

Wondering whether investing in property or shares is the right move for your financial future? 🏡📈 Both options offer great potential, but it's important to understand which aligns best with your goals, risk tolerance, and long-term plans.

A qualified financial adviser can help you navigate the pros and cons of each, taking into account your personal circumstances, tax considerations, and market trends. Whether you're looking to grow your wealth through real estate, shares, or a combination of both, expert advice can help you make informed decisions and avoid common pitfalls.

Before making any major investment decisions, why not talk to a financial adviser and get tailored guidance? It could be the smartest move you make! 💼

https://calendly.com/justadvice

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16/09/2024

"Thinking about using a Self Managed Super Fund (SMSF) to invest in property? 🏡

It's an exciting opportunity, but it’s vital to set things up correctly from the start. An SMSF can be a powerful tool to build wealth through property investment, but the rules around borrowing, compliance, and structuring the purchase are complex. 📑

Getting professional advice is essential to ensure you're meeting all legal requirements and making the best financial decisions for your future. From SMSF lending rules to understanding the impact on your retirement savings, expert guidance can help you avoid costly mistakes and get the most out of your property investment.

Before you jump in, talk to an SMSF advisor to ensure you're on the right path! 🔑

https://www.justadvicefp.com

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Meet Justin McElhenny, a dynamic financial adviser with a passion for transforming lives through financial empowerment. Armed with a Bachelor of Commerce as well as a Graduate Diploma in Financial Planning, Justin entered the world of wealth management at a young age. His innate ability to simplify....

16/04/2024

"It takes just as much energy to wish as it does to plan." - Eleanor Roosevelt

13/12/2023

Couldn’t tick all the boxes….so chose life 😳